I lived in So Calif during the Watts Riots & the King riots.
I have done accounting/bookkeeping ALL of my adult life.
I NEVER heard of a single insurance company paying for damages due to RIOTING ARSON INSURRECTION or any such behavior.
Buildings in Watts—which was burned down in 1965-—still are NOT rebuilt. NO insurance company will even insure the construction process.
The mantra that insurance will cover these damages is wrong.
The insurance issue is another reason WHY the Koreans were on the roofs of their buildings, prepared to shoot invaders.
IF you didn’t see those pics or don’t remember, they were heroes of the first magnitude.